An excellent article by Chuck Baldwin on Romans Chapter 13 at Lew Rockwell.
Notice that civil government must not be a "terror to good works." It has no power or authority to terrorize good works or good people. God never gave it that authority. And any government that oversteps that divine boundary has no divine authority or protection.

Civil government is a "minister of God to thee for good." It is a not a minister of God for evil. Civil magistrates have a divine duty to "execute wrath upon him that doeth evil." They have no authority to execute wrath upon him that doeth good. None. Zilch. Zero. And anyone who says they do is lying. So, even in the midst of telling Christians to submit to civil authority, Romans Chapter 13 limits the power and reach of civil authority.

Did Moses violate God's principle of submission to authority when he killed the Egyptian taskmaster in defense of his fellow Hebrew? Did Elijah violate God's principle of submission to authority when he openly challenged Ahab and Jezebel? Did David violate God's principle of submission to authority when he refused to surrender to Saul's troops? Did Daniel violate God's principle of submission to authority when he disobeyed the king's law to not pray audibly to God? Did the three Hebrew children violate God's principle of submission to authority when they refused to bow to the image of the state? Did John the Baptist violate God's principle of submission to authority when he publicly scolded King Herod for his infidelity? Did Simon Peter and the other Apostles violate God's principle of submission to authority when they refused to stop preaching on the streets of Jerusalem? Did Paul violate God's principle of submission to authority when he refused to obey those authorities who demanded that he abandon his missionary work? In fact, Paul spent almost as much time in jail as he did out of jail.
In my opinion, Romans 13 has been deliberately misconstrued for ages (ages!) to excuse cowardice and sheer laziness.